Life insurance designed for people living with diabetes

We don’t think diabetes should stop you from getting the important life insurance protection you deserve.


At John Hancock, the vast majority of applicants with diabetes are approved for coverage.1
With John Hancock Aspire, you can earn up to 25% in premium savings and other rewards for the everyday steps you take to stay healthy.2
John Hancock is the only life insurance to offer access to a state-of-the-art diabetes management program from Onduo, including devices, information, and expertise.

With John Hancock Aspire, diabetes is not in control of your future, you are.

By clicking "Notify Me," I am providing my express written consent to receive emails and phone calls from John Hancock regarding John Hancock's products and services at this email address and phone number (including my wireless number if provided).

We don’t think diabetes should stop you from getting the important life insurance protection you deserve.


At John Hancock, the vast majority of applicants with diabetes are approved for coverage.1
 
With John Hancock Aspire, you can earn up to 25% in premium savings and other rewards for the everyday steps you take to stay healthy.2
 
John Hancock is the only life insurance to offer access to a state-of-the-art diabetes management program from Onduo, including devices, information, and expertise.
 

With John Hancock Aspire, diabetes is not in control of your future, you are.

By clicking "Notify Me," I am providing my express written consent to receive emails and phone calls from John Hancock regarding John Hancock's products and services at this email address and phone number (including my wireless number if provided).

By clicking "Notify Me," I am providing my express written consent to receive emails and phone calls from John Hancock regarding John Hancock's products and services at this email address and phone number (including my wireless number if provided).

Frequently asked questions

  • John Hancock Aspire is the first and only life insurance designed for people living with diabetes.

    Aspire offers:

    • A more secure financial future for people with diabetes and their families
    • Practical guidance and support to help with day-to-day diabetes management
    • Up to 25% in premium savings with Vitality PLUS2
    • Savings and rewards for the everyday steps people take to stay healthy with the John Hancock Vitality Program

     

  • Yes, all John Hancock Aspire members have access to the John Hancock Vitality program and can choose between Vitality Go at no additional cost and Vitality PLUS for as little as $2 per month.3 Each version of the program offers different levels of rewards. For example:

    • Up to 25% in premium savings2
    • Discounts on healthy food purchases4
    • The opportunity to earn an Apple Watch for as little as $25 with regular exercise5
    • Access to online newsletters and webinars focused on health and nutrition
  • Onduo is a state-of-the-art program for people living with type 2 diabetes offering: 6, 7

    • Tools
    • Coaching
    • Clinical support
    • Education

    Once Onduo determines a member is eligible for its program, they’ll receive a welcome kit containing a blood glucose monitor and test strips. Using the Onduo app, members can monitor their levels day-to-day and over time to learn about how their body reacts to everyday decisions. A member’s virtual care team is available to answer questions and offer tips and advice to help them make better, more informed choices about their health.

  • It’s easy to participate in the John Hancock Aspire program:

    • Step 1: Select the John Hancock life insurance product that best meets your long-term needs and elect Aspire
    • Step 2: Register for John Hancock Vitality and complete a brief health questionnaire.
    • Step 3: For qualified members with type 2 diabetes, sign up for Onduo’s diabetes management program
    • Step 4: Use the tools and resources from Onduo and Vitality to help you stay healthy, record your progress, and manage your diabetes

    Enjoy the rewards you earn for the steps you take to live a longer, healthier life

  • John Hancock Aspire will be available on November 18, 2019 and must be purchased through a licensed insurance agent.

    To learn more, contact your trusted insurance agent or sign up to receive additional information when Aspire is available.

  • Using the John Hancock Vitality program, it’s easy for Aspire members to earn rewards and savings. Healthy activities earn Vitality Points. Vitality Points add up to Vitality Status. The higher your Vitality Status, the higher your potential for rewards. There are lots of eligible activities, including:

    • Daily exercise
    • Improving your HbA1c level
    • Buying healthy food
    • Taking an online nutrition course
    • Engaging with Onduo (for eligible members with type 2 diabetes)
    • Meditation
    • A good night’s sleep

     

    It is important to note that some rewards, including the opportunity to earn up to 25% are only available to those members who participate in Vitality PLUS.

Aspire launches on November 18th.

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1. In 2018, 88% of applicants with type 2 diabetes were approved for coverage by John Hancock; 75% of people with type 2 diabetes and other commonly related conditions were approved for coverage. 66% of people with type 1 or type 2 diabetes and other related conditions were approved for coverage.

2. Premium savings are in comparison to the same John Hancock life insurance policy without Vitality PLUS. The level of premium savings over the life of the policy will vary based upon underwriting status, issue age, policy type, the terms of the policy and the Vitality Status achieved. Premiums savings are only available with Vitality PLUS

3. For John Hancock Term policies with the optional Vitality rider, the cost for Vitality PLUS is 3% of your annual premium. For survivorship policies the charge is $4.00 a month

4. HealthyFood savings are based on qualifying purchases and may vary based on the terms of the John Hancock Vitality program and are only available with Vitality PLUS.

5. Apple Watch program is not available in New York or Puerto Rico. Apple Watches ordered through John Hancock Vitality may not be shipped to addresses in Guam. Once you become a Vitality PLUS member and complete the Vitality Health Review (VHR), you can order Apple Watch by electronically signing, at checkout, a Retail Installment Agreement with the Vitality Group, for the retail price of the watch. After an initial payment of $25 plus tax, over the next two years, monthly out of pocket payments are based on the number of Standard Workouts (10,000 to 14,999 steps) and Advanced Workouts (15,000 steps) or the applicable Active Calorie thresholds. The step counts required for Standard and Advanced Workouts are reduced for members beginning at age 71+. One-time upgrade fees plus taxes apply if you choose (GPS + Cellular) versions of Apple Watch, larger watch case sizes, certain bands and case materials. For more information, please visit www.JohnHancockInsurance.com. Apple is not a participant in or sponsor of this promotion. Apple Watch is a registered trademark of Apple Inc. All rights reserved.

6. John Hancock has arranged with Onduo to offer you the opportunity to apply for an Onduo membership if you have been diagnosed with type 2 diabetes.  Onduo currently offers three levels of membership – High, Low and Maintenance, with different benefits and services.  Eligibility for membership and the type of membership offered to you is determined solely by Onduo (certain exceptions apply). Per Onduo, the following conditions disqualify a person from participation: pregnancy, liver failure, end-stage renal disease (stage 4 or 5), congestive heart failure (grade C or D), organ transplant or bone marrow transplant, cystic fibrosis, malignant neoplasm (diagnosis or treatment), and any other condition or situation that, in the opinion of the Onduo team, makes the participant inappropriate for participation in the program.

7. John Hancock term life insurance policies with less than $500,000 in coverage are not eligible for the Onduo membership. For people with type 2 diabetes who are eligible for Onduo membership, John Hancock will pay for the membership for the first year. In year 2 and after:

  • For permanent life insurance policies of $250,000 or more in coverage and term policies of $2 million or more in coverage:
    • John Hancock will pay for Onduo membership if member earns at least 900 points engaging with Onduo each year.
    • If member does not earn at least 900 points engaging with Onduo each year, they will have the option to pay for the membership. Onduo will determine the membership type and cost. Costs typically range from $250-$750 and are subject to change by Onduo.
  • For permanent life insurance policies of less than $250,000 in coverage and term policies of less than $2 million in coverage:
    • John Hancock will not pay for the cost of Onduo membership after year 1
    • Member will have the option to pay for the membership. Onduo will determine the membership type and cost. Costs typically range from $250- $750 and are subject to change by Onduo.